Bill Me Later Pre-Approval Scam

I was pre-approved for Bill Me Later just this morning. I have been eyeing a new futon cover as mine is decimated but I would probably have bought the thing in a couple of weeks when I got paid next rather than getting it today, but I figured with the pre-approval and an extra $20 from Ebay . . . why not?

So I went ahead and bought the futon cover and filled out the info that Bill Me Now wanted so it could approve me. It came right back with an instant denial. I don't know how my credit score could have changed from THIS MORNING to this afternoon . . . I don't have perfect credit but it's pretty darn good. I didn't want to get denied for credit or I would not have bothered if I thought there was a chance I would be denied. Avoid this company like the plague it is!

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angelsmamaMay 16, 2013#651853

I've had an account with them for a couple of years now. The only problem I have had in that time was a recent late fee. I talked to a supervisor, he said there was nothing that can do. I had 3 members of my family pass in the last 6 months. They said it was machines that ran the place. Other than that I have not had any issues like what you guys are experiencing. I am glad too.

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X-customerOct 05, 2012#551432

I have been treated like *** by Bill-me-later. There seems to be no one in charge there. The co called supervisors are just robots that repeat the same things over. They also say one thing and do another. (lie)...CONSUMER BEWARE!

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RadiatorSep 15, 2012#542493

Approved for $500 or more. Was sent email saying to link PayPal with BML. Everytime I try to link, through PayPal next page says Oops this page does not exist. And through bill me later it says we cannot link based o. The information provided. In the meantime I am getting multiple emails from BML saying how easy it is to connect the accounts or we are sorry you can't link your accounts. And the radiator just sits in my cart on eBay. You can't contact them through the email they send because it is a DNR.

With today's technology, this is poor business.

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I was Approved for $500.00 TheJun 04, 2012#490816

I was approved when i put my information in for $500.00. I used it one day to make approx.$240.00 in Purchases then froze that night. "To have me send in Copy of my ID and Two Bills with Address to make sure it was me" Fine I appreciate that. It took them 1 full week to take care of this. When it was back up i charge a few more items and approvedonly to have them send out an e-mail to me later in the evening Saying my account was blocked and could no longer be used??? Hello my account still has Available credit what the? I really don't need their services that badly and they obviously don't need my business or interest! Bye Bye

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bolow meMar 08, 2012#444782

;) ... Show more

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FalikDec 17, 2011#393058

Good thing I read the forum before applying .. Thanks

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lipsoresNov 25, 2011#380148

the only problem I've had is you can't go one penny over credit limit,or you get denied.tried to buy something a little over credit line thought i could pay the over with paypal but got denial.since i already committed to buy had spend money i couldn't afford.

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barbaraNov 17, 2011#376055

Ive been using BML for years to purchase from AMazon.com; and walmart... Never denied, never had a problem... I get the bill about 2-3 weeks later pay it and thats it.....

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JasonNov 13, 2011#373979

Bill Me Later is in no shape or form a scam. Since Bill Me Later is a credit product you receive in the mail/ email from credit card companys that you are pre approved (Visa, MC, AMEX, etc)Pre approved does not mean that you will get accepted it means that you fall into that category that you can get credit. If you say that you have good credit then great apply. If not it just sucks to be you. If you are declined then you will be sent an email within 24-48 hours from when you received that decline. When you type you info into the application if that info does not match with whats on your credit report than you will get declined.

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ross weltonOct 28, 2011#365874

Bill me later is a SCAM. For sure.

Cannot delete your account. Icky policies and service.

Stay as far away as possible.

You'll only have yourself to blame if you fall for it.

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Scammed again by p paypal flunAug 28, 2011#335478

Boy was I supprised to read that I was PRE-APPROVED, so I wasted no time buying something I was eyeing. I went through the couple of pages of simple stuff for bill menever and was promply denied. What happened to Pre-Approved? I've filed a complaint with the FTC and I am looking around for a class action lawsuit to join.What a bunch of lieing spammers!

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LimitAug 19, 2011#331280

I filled out the bill me later and was denied. I didn't care but now an item I had listed sold and I could not use the funds in paypal (what the buyer had paid). I've never had a problem with any buyers but now I'm "below Standard" on ebay so it affects my paypal now.
*******************************************
Ebay Member since: Feb-25-02 in United States
Positive Feedback (last 12 months): 100%
xxxxxx (368 Teal star)
*******************************************
PayPal Account Stats:
*Account Type: Premier
*Status: Verified
*Sending limit has been lifted.
*Withdrawal limit has been lifted
*******************************************
Hello xxxx xxxxxx,

There are many ways your account may have been placed on payment holds.
Typically the reason is that you don't have selling history. It's been
90 days or less from your first sale on eBay, you've had 25 or fewer
sales transactions, your total sales since your first sale is less than
$250. Make sure you have ship quickly, follow good shipping practices
(like providing buyers with a tracking number) and provide great
customer service so that buyers have a great experience when they shop
on eBay. Funds will be available for each order 3 calendar days after
eBay receives confirmation of delivery if tracking information is
uploaded to My eBay, or 7 calendar days... after the latest estimated
delivery date if the item is marked as shipped. If no shipping
information is provided to eBay, funds will be available 21 calendar
days after the buyer pays.

I know that these holds are frustrating but we do want to make sure our
eBay buyers are happy with our sellerâ€™s service. I hope this help
explains the holds and appreciate the opportunity to help resolve your
questions.

Don't forget, we're always around if you need us. Just click "Help" in
the top right corner of any PayPal page to visit our improved Help
Center.

Sincerely,
xxxxxxx Show more

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BreezyJul 09, 2011#310055

I just applied for BML on a product from Wilsons Leather totaling 26.58 and was turned down. They stated I did not include my address please, how would I receive the item if no address was included. I am incline to agre with all the other folks who have had a problem with BML and my credit is good as far as the credit companie go. So I just paid with my Visa. BML is a rip-off.

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Rod McGoughJun 18, 2011#301238

I have really terrible credit but was allowed to make a purchase right away. The product was great, it came when promised, but...., Stoneberry refused to send me a bill. I have no account number to pay online with. I call and they're always closed though they say they're open all 7 days of the week. I probably have late fees now. Could this be a scam - to withold billing information so you are forced to pay late fees?

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Andy A.Jun 08, 2011#296047

Stoneberry pre-approved. Lie's!!!!

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TYFeb 12, 2011#248051

there is no pre approval, you are miss understanding the whole option

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gabytFeb 12, 2011#247755

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anonymousFeb 09, 2011#246580

I agree with Emma pre-approval does not mean you will actually get it. However, they should have sent you an email, letter, something stating the reason for the decline. It might have not been credit related. Sometimes the credit agency doesn't have your correct info. Did you even look into any of that?

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DexJan 17, 2011#236826

Emma really has a problem and probably works for those bastards. It has nothing to do with being able to afford a purchase...it has everything to do with right and wrong. With a name like Emma, who knows, sounds like a farmer's wife or something. I can easily afford my purchase, but I was enticed with the notion of getting $10 credit back with first purchase, today on eBay. They put this big banner on the page, stating that I am pre-approved and then, after I verified my info. was correct, they shot me down and then the Bill Me Later option was grayed-out on the item page. They have every right to run a check on an applicant's credit, but to say you a pre-approved and then to unpre-approve you, that is, in fact, a crime, but one that they will continue to get away with because they are the money changers and the same people they perpetuate this scam upon, just happen to be the same people who lack the resources to pursue a legal remedy.

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vinnyDec 16, 2010#225342

I purchase a coffee machine the deal was 6 month interest free i made my first payment by money order on the 2nd billing i get a late charge plus double payment as well as interest charge so I called customer service they claim they never received the money order so i got a letter from the bank stating that such money order existed.... so i called them back they took off the $29.00 surcharge but never the interest they claimed that the item was not on this promotion so I called Adorama (where i purchased the item) and they said it was not their problem to deal with them.....bottom line the 6 months fee is bull.....t